A funny thing happened at the bank...

zolablue25

eskbanker wrote: »

What a bizarre and irrelevant little story! I've never heard of anyone losing a card by dropping it into an ATM (how would you do that?) but even in this unlikely scenario surely the card holder would contact their card company advising what had happened and the company would then bear the risk of any fraudulent activity on that card thereafter. What would be the benefit to a fraudster in being able to clone a cancelled card, especially if that same skimming equipment could be used more profitably on active cards in crowds, etc?

There was an article recently about how you can still use the contactless bit of a cancelled card. Something to do with offline transactions that are quite common amongst smaller retailers. But you are correct, the bank would suffer the loss (eventually after you claim it back) not you.

joncombe

Around a year ago the cashier in Sainsburys had a problem with the till and had to reboot it. The splash screen showed Windows 2000! So longer after Windows 2000 had ended support. It is not just banks running obsolete software. I doubt it's changed.

I found this job advert

https://isw.changeworknow.co.uk/sainsburys/vms/e/store_support_centre/positions/dnE0B0rfPj4PzdyOmHvTnG

One of the required skills is.

Supporting Microsoft products - Windows 2000, Windows XP, and Microsoft Office applications (including Outlook 2003)

So it sounds like they do still use Win 2k.

eskbanker

zolablue25 wrote: »

There was an article recently about how you can still use the contactless bit of a cancelled card. Something to do with offline transactions that are quite common amongst smaller retailers. But you are correct, the bank would suffer the loss (eventually after you claim it back) not you.

Fair enough, thanks, I hadn't seen the piece at http://www.moneysavingexpert.com/news/cards/2016/09/card-lost-or-stolen-beware---you-could-be-the-victim-of-contactless-fraud-months-after-youve-cancelled-it, although have a vague recollection of seeing the discussion thread at https://forums.moneysavingexpert.com/discussion/5522527.

However, the other aspects of that tale above still make no sense to me!

agrinnall

eskbanker wrote: »

However, the other aspects of that tale above still make no sense to me!

Exactly, I'd say that the only way a card could be dropped inside an ATM is if the person who is retrieving it after retention drops it. And I'm doubtful whether it would be unrecoverable in that circumstance.

msallen

As eskbanker so succinctly put it - touchingly naive

Its about ten or twelve years or so ago now, but I doubt anything much has changed.... I used to work on maintenance of a very widely used piece of transaction processing software (most banking systems worldwide used it) for IBM. It "contained" about 30 million lines of COBOL, dating from the 1960s to the present day.

Banking is almost certainly the record holding sector for using the oldest software (with airlines pushing them close).

teddysmum

Does the operating system matter, if it serves its purpose and any loss is born by the institution using it ?

realaledrinker

Proxima_Centauri wrote: »

I have no idea what computer system my banks use, but the online services do seem to be a bit on the slow side with CoOp bank.

I worked there until 3 yrs ago and some of the core banking programs still in use were written in the days of punched card input. However, the applications have (just about) stood the test of time, unlike I suspect their latest internet banking front end!

meer53

runaroundpauper wrote: »

They all use xp it's light and stable .I would be more concerned about losing a contactless card in the atm if it drops inside and cannot be reached by the cash in transit or engineers to be destroyed it stays there .you can cancel the card get a new one etc but if the contactless is wireless communicating still it can be clowned by a skimmer bumping the atm fascia .I will only use a non contactless card on a atm

I don't know if this is common knowledge but inside every ATM, there is an ATM fairy, whose job is to pick up all those dropped cards. When the branch closes, the ATM fairy and the Lost Card Fairy meet up to put the cards in the shredder. I know this, cos i've seen them.

colsten

meer53 wrote: »

I don't know if this is common knowledge but inside every ATM, there is an ATM fairy, whose job is to pick up all those dropped cards. When the branch closes, the ATM fairy and the Lost Card Fairy meet up to put the cards in the shredder. I know this, cos i've seen them.

Were you riding past on your pink unicorn when you saw them?

meer53

colsten wrote: »

Were you riding past on your pink unicorn when you saw them?

I was, did you see me ? Why didn't you wave ?